In this episode of the First Property Buyer Show, host Emilie Lauer speaks with finance broker Rob Shanley from Propple to explore how first-time buyers can enter the market by co-investing with friends or family.

With property prices continuing to rise, many young Australians are turning to this strategy as a more attainable path to home ownership.

Rob says that pooling resources allows buyers to share deposits, loan repayments, and renovation costs, making it easier to buy sooner, with lenders adapting to the trend by offering products designed to match it.

Beyond financial benefits, co-investment also offers accountability and shared support, helping co-investors stay on track during major life events.

However, trust and clear agreements are essential, with Rob stressing the need for well-drafted co-ownership contracts that outline responsibilities, expenses, and exit strategies.

Unlike spousal ownership, most co-investment arrangements employ a “tenants in common” structure, which grants each party control over their portion while safeguarding individual interests.

As affordability challenges grow, Rob says that co-investing is becoming an increasingly popular pathway for first home buyers to build wealth together.